If you have bad credit, no credit, previous bankrutpcy or repossession a BHPH dealer in Manitowoc County may be your best chance of getting approved for auto financing without a cosigner. These Wisconsin car lots offer financing to people with credit scores under 400, 450, 500, or 550, they have no minimum FICO score.

How does buy here pay here financing differ from traditional lending offered by Manitowoc County WI banks and credit unions? With BHPH car lots, the finance manager at the dealership decides whether or not to approve your request for financing. In most cases your credit is not checked for the purposes of approving or declining your auto loan.

Typically your credit report is viewed to verify identity, however, the loan amount and required money down is based on your ability to repay the loan, stability in the your Wisconsin community, and employment history.